{"id":6626,"date":"2022-06-15T14:48:36","date_gmt":"2022-06-15T14:48:36","guid":{"rendered":"https:\/\/www.disalconsorcio.com.br\/blog\/?p=6626"},"modified":"2022-09-27T21:25:09","modified_gmt":"2022-09-27T21:25:09","slug":"consorcio-e-um-tipo-de-poupanca","status":"publish","type":"post","link":"https:\/\/www.disalconsorcio.com.br\/blog\/consorcio-e-um-tipo-de-poupanca\/","title":{"rendered":"Cons\u00f3rcio \u00e9 um tipo de poupan\u00e7a?"},"content":{"rendered":"<h3 style=\"text-align: center;\">Cons\u00f3rcio \u00e9 um investimento econ\u00f4mico e n\u00e3o um investimento financeiro. Ent\u00e3o podemos dizer que o sistema de cons\u00f3rcio \u00e9 poupan\u00e7a?<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4967\" src=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/12\/finance-elements-with-white-piggy-bank-e1639770333872-893x485.jpg\" alt=\"fundo-comum-consorcio\" width=\"1005\" height=\"546\" srcset=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/12\/finance-elements-with-white-piggy-bank-e1639770333872-893x485.jpg 893w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/12\/finance-elements-with-white-piggy-bank-e1639770333872-150x81.jpg 150w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/12\/finance-elements-with-white-piggy-bank-e1639770333872-768x417.jpg 768w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/12\/finance-elements-with-white-piggy-bank-e1639770333872-1299x705.jpg 1299w\" sizes=\"(max-width: 1005px) 100vw, 1005px\" \/><\/p>\n<p>Cons\u00f3rcio \u00e9 poupan\u00e7a? Podemos chamar de poupan\u00e7a a diferen\u00e7a entre nossas receitas e despesas. Pegamos essa diferen\u00e7a e guardamos para a realiza\u00e7\u00e3o de sonhos, garantir uma melhor aposentadoria, seguran\u00e7a para situa\u00e7\u00f5es inesperadas, entre outra situa\u00e7\u00f5es.<\/p>\n<p>Resumindo, chamamos de poupan\u00e7a o dinheiro que temos no presente para ser utilizado no futuro.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5369\" src=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/close-up-on-education-and-economy-objects-727x485.jpg\" alt=\"sistema de cons\u00f3rcios\" width=\"1005\" height=\"671\" srcset=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/close-up-on-education-and-economy-objects-727x485.jpg 727w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/close-up-on-education-and-economy-objects-150x100.jpg 150w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/close-up-on-education-and-economy-objects-768x513.jpg 768w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/close-up-on-education-and-economy-objects-1056x705.jpg 1056w\" sizes=\"(max-width: 1005px) 100vw, 1005px\" \/><\/p>\n<p>Analisando nesse sentido, o <a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">cons\u00f3rcio<\/a> nos ajuda a poupar, j\u00e1 que o consorciado reserva uma parte dos seus recursos para a compra de um bem no futuro. Ou seja, o cons\u00f3rcio \u00e9 uma forma de poupar para a realiza\u00e7\u00e3o de um sonho futuro.<\/p>\n<p>Certamente voc\u00ea j\u00e1 deve saber que o <a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">cons\u00f3rcio<\/a> \u00e9 uma modalidade de autofinanciamento em grupo. Os grupos s\u00e3o formados por uma quantidade determinada de participantes, que contribuem mensalmente com parcelas para o fundo comum (uma esp\u00e9cie de grande poupan\u00e7a), de onde sair\u00e3o os recursos para a aquisi\u00e7\u00e3o dos bens que ser\u00e3o entregues aos Consorciados no prazo de dura\u00e7\u00e3o do grupo. As contempla\u00e7\u00f5es ocorrem mensalmente e ser\u00e3o contemplados tantos consorciados o saldo do grupo permitir, para que os participantes adquiram o bem de sua escolha.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-4540\" src=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/10\/cofrinho-grupo-menor1-729x485.jpg\" alt=\"\" width=\"1005\" height=\"668\" srcset=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/10\/cofrinho-grupo-menor1-729x485.jpg 729w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/10\/cofrinho-grupo-menor1-150x100.jpg 150w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/10\/cofrinho-grupo-menor1-768x511.jpg 768w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/10\/cofrinho-grupo-menor1-1060x705.jpg 1060w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2021\/10\/cofrinho-grupo-menor1.jpg 1320w\" sizes=\"(max-width: 1005px) 100vw, 1005px\" \/><\/p>\n<p>Contudo, \u00e9 muito importante n\u00e3o confundir poupan\u00e7a com caderneta de poupan\u00e7a, ou conta de poupan\u00e7a, um tipo de investimento (aplica\u00e7\u00e3o financeira). E investimento \u00e9 a aplica\u00e7\u00e3o dos recursos que poupamos, esperando uma remunera\u00e7\u00e3o por essa aplica\u00e7\u00e3o.<\/p>\n<p>Sendo assim, o cons\u00f3rcio \u00e9 uma forma de poupar e realizar sonhos.<\/p>\n<h3>Vantagens exclusivas sobre o cons\u00f3rcio que voc\u00ea n\u00e3o sabia!<\/h3>\n<h2><strong>Sem Juros<\/strong><\/h2>\n<p>Fazendo\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\"><strong>Cons\u00f3rcio<\/strong><\/a>, voc\u00ea n\u00e3o paga juros, o que deixa a presta\u00e7\u00e3o muitas vezes menor que em outras modalidades de financiamento. A taxa de administra\u00e7\u00e3o do\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">Cons\u00f3rcio\u00a0<\/a>\u00e9 dilu\u00edda nas parcelas, e no final do plano \u00e9 f\u00e1cil constatar que \u00e9 a modalidade mais econ\u00f4mica.<\/p>\n<h2><strong>Sem entrada<\/strong><\/h2>\n<p>O\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">Cons\u00f3rcio\u00a0<\/a>n\u00e3o precisa de entrada para ser adquirido, justamente, por ser uma modalidade de autofinanciamento, que facilita a vida de quem quer adquirir, de forma\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">planejada<\/a>, seu carro ou moto, e n\u00e3o tem como pagar juros e\/ou entrada num financiamento<\/p>\n<h2><strong>Flexibilidade<\/strong><\/h2>\n<p>O\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">cons\u00f3rcio\u00a0<\/a>permite que o prazo de pagamento seja conforme a necessidade de cada cliente. \u00a0A possibilidade de adquirir uma cota\u00a0sob medida que atenda \u00e0s suas necessidades!<\/p>\n<h2><strong>Compra Planejada<\/strong><\/h2>\n<p>A grande vantagem do\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">cons\u00f3rcio\u00a0<\/a>\u00e9 que o consumidor consegue\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">se planejar<\/a>\u00a0para a quita\u00e7\u00e3o da aquisi\u00e7\u00e3o do bem com parcela menores e livres de juros.<\/p>\n<p>O\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">planejamento<\/a>\u00a0para que sua conquista fique ainda mais pr\u00f3xima.<\/p>\n<h2><strong>Menos Burocracia<\/strong><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-5420\" src=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/young-man-with-keys-just-bought-new-appartment-1-e1647523019329-795x485.jpg\" alt=\"\" width=\"1005\" height=\"613\" srcset=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/young-man-with-keys-just-bought-new-appartment-1-e1647523019329-795x485.jpg 795w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/young-man-with-keys-just-bought-new-appartment-1-e1647523019329-150x92.jpg 150w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/young-man-with-keys-just-bought-new-appartment-1-e1647523019329-768x468.jpg 768w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/03\/young-man-with-keys-just-bought-new-appartment-1-e1647523019329-1156x705.jpg 1156w\" sizes=\"(max-width: 1005px) 100vw, 1005px\" \/><\/p>\n<p>No parcelamento tradicional, existem v\u00e1rias etapas que antecedem o in\u00edcio do acordo.<\/p>\n<p>O primeiro \u00e9 a apresenta\u00e7\u00e3o e an\u00e1lise de uma s\u00e9rie de documentos para ter acesso a an\u00e1lise de cr\u00e9dito. Apenas com a libera\u00e7\u00e3o da an\u00e1lise o bem \u00e9 liberado.<\/p>\n<p>No\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">cons\u00f3rcio\u00a0<\/a>tamb\u00e9m \u00e9 necess\u00e1rio cumprir certos requisitos pr\u00e9vios.\u00a0 Quando o consorciado \u00e9 contemplado, \u00e9 solicitado a comprova\u00e7\u00e3o da renda e apresenta\u00e7\u00e3o de \u00a0alguns documentos, por\u00e9m, a burocracia \u00e9 bem menor que a de um parcelamento tradicional.<\/p>\n<p>Como o consorciado \u00e9 um investidor, seu comportamento no grupo no per\u00edodo que antecede o recebimento da carta e o valor amortizado contam como an\u00e1lise de cr\u00e9dito.<\/p>\n<h2><strong>Parcelas Reduzidas<\/strong><\/h2>\n<p>No momento da ades\u00e3o da cota, o cliente pode escolher o chamado \u201cplano de parcelas reduzidas\u201d, que s\u00e3o ideais para quem deseja fazer um Cons\u00f3rcio de carro ou moto sem pagar a parcela integral.<\/p>\n<p>Com esse plano diferenciado, o consorciado paga as parcelas reduzidas at\u00e9 o momento da contempla\u00e7\u00e3o, e o percentual de recolhimento mensal, ao chamado Fundo Comum do GRUPO, tamb\u00e9m \u00e9 reduzido em 25%, at\u00e9 a data da contempla\u00e7\u00e3o da cota. Ap\u00f3s a contempla\u00e7\u00e3o, no entanto, o valor das parcelas \u00e9 recalculado, considerando o saldo devedor.<\/p>\n<p>Os 25% do Fundo Comum, que foram reduzidos nas parcelas antes da contempla\u00e7\u00e3o, ser\u00e3o dilu\u00eddos nas parcelas restantes.<\/p>\n<h3>Ainda n\u00e3o conquistou o seu Sonho? A Disal Cons\u00f3rcio te ajuda!<\/h3>\n<p>Com mais de tr\u00eas d\u00e9cadas de atua\u00e7\u00e3o, a\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">Disal Cons\u00f3rcio<\/a>\u00a0j\u00e1 vendeu mais de 1 milh\u00e3o de cotas e est\u00e1 presente em todo o Brasil, por meio de uma Rede Autorizada formada por mais de 450 pontos de vendas.<\/p>\n<p>Na\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">Disal<\/a>\u00a0voc\u00ea adquire sua cota de\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">cons\u00f3rcio<\/a>\u00a0para conquistar o seu\u00a0ve\u00edculo, com a praticidade e seguran\u00e7a. Voc\u00ea fica mais pr\u00f3ximo da sua conquista.<\/p>\n<p>Para adquirir sua cota de\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">cons\u00f3rcio Disal<\/a>, basta fazer a sua simula\u00e7\u00e3o\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">clicando aqui<\/a>.<\/p>\n<p>Ap\u00f3s isso, um dos nossos representantes ir\u00e1 entrar em contato com voc\u00ea para poder dar sequ\u00eancia no seu atendimento.<\/p>\n<p>Voc\u00ea escolhe seu ve\u00edculo de prefer\u00eancia\u00a0e o valor da sua parcela.<\/p>\n<p>N\u00e3o perca mais tempo e comece a\u00a0<a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\">planejar essa conquista<\/a>!<\/p>\n<p><a href=\"https:\/\/www.disalconsorcio.com.br\/etapa-1?utm_source=Blog&amp;utm_medium=organico&amp;utm_campaign=blog-organico-conteudo-simula%C3%A7%C3%A3o&amp;guid_campaign=42529de3-8d0c-42cc-ba60-1562457fa993&amp;utm_term=Blog\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-6300\" src=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/04\/Banner-Blog-1005-x-200-px-Disal-Cons\u00f3rcio-970x193.png\" alt=\"simule_agora_2022\" width=\"1005\" height=\"200\" srcset=\"https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/04\/Banner-Blog-1005-x-200-px-Disal-Cons\u00f3rcio-970x193.png 970w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/04\/Banner-Blog-1005-x-200-px-Disal-Cons\u00f3rcio-150x30.png 150w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/04\/Banner-Blog-1005-x-200-px-Disal-Cons\u00f3rcio-768x153.png 768w, https:\/\/www.disalconsorcio.com.br\/blog\/wp-content\/uploads\/2022\/04\/Banner-Blog-1005-x-200-px-Disal-Cons\u00f3rcio.png 1005w\" sizes=\"(max-width: 1005px) 100vw, 1005px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cons\u00f3rcio \u00e9 um investimento econ\u00f4mico e n\u00e3o um investimento financeiro. Ent\u00e3o podemos dizer que o sistema de cons\u00f3rcio \u00e9 poupan\u00e7a? Cons\u00f3rcio \u00e9 poupan\u00e7a? Podemos chamar de poupan\u00e7a a diferen\u00e7a entre nossas receitas e despesas. Pegamos essa diferen\u00e7a e guardamos para a realiza\u00e7\u00e3o de sonhos, garantir uma melhor aposentadoria, seguran\u00e7a para situa\u00e7\u00f5es inesperadas, entre outra situa\u00e7\u00f5es. <span class=\"readMore\" style=\"color:#00acc3;\">[&#8230;]<\/span><\/p>\n","protected":false},"author":14,"featured_media":5369,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[776],"tags":[15,146,171,233,627,107,408],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Cons\u00f3rcio \u00e9 um tipo de poupan\u00e7a? 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